Of course, money is a very important factor in football, but what should not be forgotten is that football is played with 11 people. If PSG could not win the cup despite having Messi, Neymar Mbappe on the offensive line, there are also some external factors. 8 more players we haven't talked about played in PSG. Attackers shouldn't be the only thing we think about. Additionally, the draws and the teams winning the draws are also very effective in such situations. Football is a sport where nothing is guaranteed.
I agree with your point of view money is very important in football and it has a very great role to play I'm the development and the building of a team because they financial strength of a team will determine they quality of players they will be able to buy at a time and also much they will be able to achieve too but then it's not all that's needed.
Even in the presence of big and quality players the team couldn't win the trophy not because they were not good enough but because the lack some technicalities which would have helped them beyond getting good players alone, if they have a very good team work at once such that they are able to cooperate so well they will do so much even without the presence of big names just like Leverkusen is doing this season without any big name so beyond big names the team still have much more to do amongst themselves.
I would say that it is not really all that same, I feel like they might be even better right now compared to last two seasons and when I say that many people think that I am joking but that's really the reality without a joke. Because Messi was already at a certain age when he get there, he was still a great player but he wasn't the Messi that can took a team from nothing to UCL, plus he wasn't playing in his own system, that dude played 20 years at Barcelona, PSG was a new team to him, between his age and new team I think he wasn't at 100% anymore.
Neymar was even worse situation because we are talking about a situation where he was just keep getting injured, just like he is injured now as well. So those all matter, sure on paper it looked great, but the reality wasn't like that.